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Proudly serving clients across MD, DC, DE, FL, GA, NC, PA, SC, TN, VA, WV
I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 5.0 out of 5.0 from Encompass Easy to reach & email or talk with. Linda JaneOwings, MD Jun 18
Easy to reach & email or talk with.
Rating: 5.0 out of 5.0 from Encompass As a first time homebuyer, the team made this process as easy as possible. They were always available if we had a question and helped explain things in a way that we could understan! CalebMechanicsville, MD Jun 09
As a first time homebuyer, the team made this process as easy as possible. They were always available if we had a question and helped explain things in a way that we could understan!
Rating: 5.0 out of 5.0 from google As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart. Deanna Havenner Jun 09
As a real estate professional, having a reliable and communicative lender is essential to a smooth transaction—and Tim Murphy consistently delivers on all fronts. I’ve had the pleasure of working with Tim. He brings a high level of professionalism, expertise, and responsiveness that truly sets him apart.
Rating: 5.0 out of 5.0 from Encompass The process was so easy thanks to your team And their communication. Tha k you! David MeredithCalifornia, MD Jun 07
The process was so easy thanks to your team And their communication. Tha k you!
Rating: 5.0 out of 5.0 from google Tim Murphy went above and beyond to give us an exceptional experience. He was always available to answer our questions, and when he couldn’t pick up immediately, we received a helpful callback within minutes—every time. Whenever I had doubts, he quickly pointed me in the right direction; as a local, he also offered great recommendations for nea... Jeffry Congine Jun 06
Tim Murphy went above and beyond to give us an exceptional experience. He was always available to answer our questions, and when he couldn’t pick up immediately, we received a helpful callback within minutes—every time. Whenever I had doubts, he quickly pointed me in the right direction; as a local, he also offered great recommendations for nea...
Rating: 5.0 out of 5.0 from facebook So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!! Jennifer Ashbaugh Fitzpatrick Jun 04
So grateful for C & F Mortgage and Tim Murphy!!!! I never dreamed I could own a home on my own and Tim and his team helped make it happen and guided me through every single step!!!!! So appreciative of your service!!!!!
Rating: 5.0 out of 5.0 from facebook Wonderful refinance experience! Nicole Kapinos Herrington Jun 04
Wonderful refinance experience!
Rating: 5.0 out of 5.0 from google Best experience I have ever had with a mortgage company. Kelvin G Jun 03
Best experience I have ever had with a mortgage company.
Rating: 4.5 out of 5.0 from Encompass Wonderful support with great communication Sarah LAnnapolis, MD Jun 02
Wonderful support with great communication
Rating: 5.0 out of 5.0 from google Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag. Lisa Pinder - DMV Realtor Jun 01
Tim Murphy is the lending king. My clients secured state grant dollars and wrote concrete offers that closed with out a snag.
Rating: 5.0 out of 5.0 from google Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do. Justine Conteh Jun 01
Tim Murphy is such a great Leader & Lender. He goes above and beyond in what he does. If I have questions he’s there to answer them and explain why. He will find you or your clients the best programs that works for you and if you need to do anything to put you in better position he’ll guide you on what you need to do.
Rating: 5.0 out of 5.0 from google We had a wonderful experience working with Tim and Haley to purchase our beautiful home. From the start, Tim took the time to listen to our goals, carefully assess our financial situation, and present us with several thoughtful options to help us reach our home-buying goals. Both Tim and Haley were incredibly knowledgeable, thorough, and supportiv... Naomi Davis Jun 01
We had a wonderful experience working with Tim and Haley to purchase our beautiful home. From the start, Tim took the time to listen to our goals, carefully assess our financial situation, and present us with several thoughtful options to help us reach our home-buying goals. Both Tim and Haley were incredibly knowledgeable, thorough, and supportiv...
Rating: 5.0 out of 5.0 from google Tim Murphy has been a pleasure to work with throughout the lending process. He has been responsive, transparent, thorough, and professional. He also treats his clients like family. The Anne Mac mortgage team made my home buying experience less stressful. Shaunte Deare Jun 01
Tim Murphy has been a pleasure to work with throughout the lending process. He has been responsive, transparent, thorough, and professional. He also treats his clients like family. The Anne Mac mortgage team made my home buying experience less stressful.
Rating: 5.0 out of 5.0 from google The entire team treated me like family they were very attentive,no question was insignificant. The turn around time for the entire process was mind blowing. I highly recommend this company. Purpose Driven Jun 01
The entire team treated me like family they were very attentive,no question was insignificant. The turn around time for the entire process was mind blowing. I highly recommend this company.
Rating: 5.0 out of 5.0 from google Five-Star Experience at AnnieMac! ​I had an absolutely wonderful experience with the team at AnnieMac. A huge thank you to Timothy, Loretta, and April—they were all truly amazing! ​The level of professionalism, care, and dedication they showed made the entire process seamless and stress-free. It’s rare to find a team that works so well toge... Paige Ladybug Morris Jun 01
Five-Star Experience at AnnieMac! ​I had an absolutely wonderful experience with the team at AnnieMac. A huge thank you to Timothy, Loretta, and April—they were all truly amazing! ​The level of professionalism, care, and dedication they showed made the entire process seamless and stress-free. It’s rare to find a team that works so well toge...
Rating: 5.0 out of 5.0 from google Tim goes above and beyond on every transaction and is always available to support you and your clients each step of the way, whether it be through the transaction itself, financial advice, or simple education. His consistent positivity and encouragement is contagious, even during a most challenging transaction, Tim always gets it done and with a sm... Audra Atkinson Jun 01
Tim goes above and beyond on every transaction and is always available to support you and your clients each step of the way, whether it be through the transaction itself, financial advice, or simple education. His consistent positivity and encouragement is contagious, even during a most challenging transaction, Tim always gets it done and with a sm...
Rating: 5.0 out of 5.0 from google Ian took the time and had the patience to assist my first-time home buyer. He went above and beyond to see this transaction through to completion. Thank you Ian! Tim Campbell Jun 01
Ian took the time and had the patience to assist my first-time home buyer. He went above and beyond to see this transaction through to completion. Thank you Ian!
Rating: 5.0 out of 5.0 from google Excellent coming through with Poise. We Thank you sincerely. He got us to the table. Watched the rates when started climb he locked it. Very helpful gathering all these docs especially last minute. Julia Maynor Jun 01
Excellent coming through with Poise. We Thank you sincerely. He got us to the table. Watched the rates when started climb he locked it. Very helpful gathering all these docs especially last minute.